| Metric | COMMUNITY FIRST BANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.4% | -2.4 pts |
| Deposit growth (YoY) | +2.1% | +4.0% | -1.8 pts |
| Loan growth (YoY) | -1.4% | +5.6% | -7.0 pts |
| ROA | 1.84% | 1.24% | +0.6 pts |
| ROE | 14.8% | 11.9% | +3.0 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $126.5M | $108.4M | $65.6M | $16.0M | $1.2M | 1.84% | 3.99% | 0.15% |
| Q1 2026 | $126.4M | $108.6M | $64.7M | $15.6M | $629K | 2.00% | 3.89% | 0.53% |
| Q4 2025 | $125.3M | $107.9M | $67.2M | $15.3M | $1.9M | 1.51% | 3.65% | 0.49% |
| Q3 2025 | $126.3M | $108.6M | $68.7M | $15.6M | $1.5M | 1.60% | 3.57% | 0.65% |
| Q2 2025 | $124.1M | $106.2M | $66.5M | $14.9M | $959K | 1.58% | 3.43% | 0.76% |
| Q1 2025 | $120.1M | $102.9M | $65.1M | $14.1M | $499K | 1.66% | 3.33% | 0.74% |
| Q4 2024 | $120.3M | $104.2M | $68.2M | $13.2M | $1.3M | 1.06% | 3.12% | 0.55% |
| Q3 2024 | $120.8M | $103.9M | $67.0M | $14.0M | $976K | 1.09% | 3.00% | 0.09% |
Loan mix (Q2 2026): real estate $33.1M · commercial $24.2M · consumer $4.8M · securities $37.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | COMMUNITY FIRST BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.84% | 1.24% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 11.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.0% | 62.9% | 29th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | COMMUNITY FIRST BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | COMMUNITY FIRST BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | COMMUNITY FIRST BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | COMMUNITY FIRST BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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